The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$78,228
−HK$4,906/mo
▼ 0.25% · 3.875%
HK$80,661
−HK$2,473/mo
Today · 4.125%
HK$83,134
baseline
▲ 0.50% · 4.625%
HK$88,192
+HK$5,058/mo
Deposit HK$17.15M · loan HK$17.15M · min. income ≈ HK$166,268/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,458,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$87,028
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$89,362
−HK$2,368/mo
Today · 4.125%
HK$91,730
baseline
▲ 0.50% · 4.625%
HK$96,565
+HK$4,835/mo
Deposit HK$17.15M · loan HK$17.15M · min. income ≈ HK$183,460/mo (50% DSR)
Upfront cash ≈ HK$18.61M (deposit + AVD stamp duty HK$1,458,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,874
−HK$5,886/mo
▼ 0.25% · 3.875%
HK$96,794
−HK$2,966/mo
Today · 4.125%
HK$99,760
baseline
▲ 0.50% · 4.625%
HK$105,831
+HK$6,071/mo
Deposit HK$13.72M · loan HK$20.58M · min. income ≈ HK$199,520/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,433
−HK$5,643/mo
▼ 0.25% · 3.875%
HK$107,234
−HK$2,842/mo
Today · 4.125%
HK$110,076
baseline
▲ 0.50% · 4.625%
HK$115,878
+HK$5,802/mo
Deposit HK$13.72M · loan HK$20.58M · min. income ≈ HK$220,152/mo (50% DSR)
Upfront cash ≈ HK$15.18M (deposit + AVD stamp duty HK$1,458,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,519
−HK$6,868/mo
▼ 0.25% · 3.875%
HK$112,926
−HK$3,461/mo
Today · 4.125%
HK$116,387
baseline
▲ 0.50% · 4.625%
HK$123,469
+HK$7,082/mo
Deposit HK$10.29M · loan HK$24.01M · min. income ≈ HK$232,774/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,839
−HK$6,583/mo
▼ 0.25% · 3.875%
HK$125,107
−HK$3,315/mo
Today · 4.125%
HK$128,422
baseline
▲ 0.50% · 4.625%
HK$135,191
+HK$6,769/mo
Deposit HK$10.29M · loan HK$24.01M · min. income ≈ HK$256,844/mo (50% DSR)
Upfront cash ≈ HK$11.75M (deposit + AVD stamp duty HK$1,458,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$140,810
−HK$8,830/mo
▼ 0.25% · 3.875%
HK$145,190
−HK$4,450/mo
Today · 4.125%
HK$149,640
baseline
▲ 0.50% · 4.625%
HK$158,746
+HK$9,106/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$299,280/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$156,650
−HK$8,464/mo
▼ 0.25% · 3.875%
HK$160,851
−HK$4,263/mo
Today · 4.125%
HK$165,114
baseline
▲ 0.50% · 4.625%
HK$173,817
+HK$8,703/mo
Deposit HK$3.43M · loan HK$30.88M · min. income ≈ HK$330,228/mo (50% DSR)
Upfront cash ≈ HK$4.89M (deposit + AVD stamp duty HK$1,458,034 · Scale 2, in force from 26 Feb 2026)